Side-by-side · Q2 2026 data
First Reliance Bank vs S. C. State Federal Credit Union
Credit union
S. C. State Federal Credit Union
Columbia, South Carolina · $1 billion – $10 billion
Metric by metric
| Measure | First Reliance Bank | S. C. State Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 91 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 98 (stronger) | 73 |
| Earnings | 69 | 100 (stronger) |
| Funding & liquidity | 42 | 90 (stronger) |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 63rd | 98th |
| Total assets | $1.1B | $1.5B |
| Deposits / shares | $922.0M | $1.2B |
| Capital ratio | 10.53% | 15.57% (stronger) |
| Problem loans | 0.07% (stronger) | 0.82% |
| Net charge-offs | -0.00% (stronger) | 1.01% |
| Return on assets | 1.21% | 2.06% (stronger) |
| Loans ÷ deposits | 90.0% | 70.2% (stronger) |
| Uninsured deposits | 40.3% | 3.6% (stronger) |
| Offices | 9 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.2% |
S. C. State Federal Credit Union has the higher TellerScore (91 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First Reliance Bank leads on 2 and S. C. State Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.